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Letter portraitLegal landscapeQuarterYTD

Fresno Police Department

Fresno, CA · Charter 97096

NCUA · 2 branches

Q2 2026

$49.5MAssets
$11.5MLoans
$36.6MShares
$11.5MNet Worth

Executive Summary

  • Earnings: ROA of 0.62%, down 14 bps year over year; NIM at 3.06%.
  • Asset quality: problem loans at 0.06% of loans (+6 bps YoY).
  • Capital: net worth / assets of 23.30%, up 102 bps from a year ago.
  • Funding: loans stand at 31.59% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.62%-14 bps YoY

Net Interest Margin (YTD, annualized)

3.06%+19 bps YoY

Efficiency Ratio (YTD, annualized)

79.55%+251 bps YoY

Net Worth / Assets

23.30%+102 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.42%0.43%0.71%0.77%0.76%0.76%0.69%0.62%-14 bps
Return on Equity1.87%1.95%3.32%3.44%3.26%3.24%3.02%2.68%-77 bps
Net Interest Margin2.44%2.43%2.76%2.87%3.02%3.01%3.00%3.06%+19 bps
Efficiency Ratio85.80%86.46%77.68%77.05%78.16%76.89%79.33%79.55%+251 bps
Growth
Asset Growth (YoY)-5.40%-0.21%4.06%3.89%-1.03%-2.76%-3.40%-1.56%-544 bps
Loan Growth (YoY)-10.83%-14.35%-12.61%-13.22%-15.95%-8.11%-4.79%4.24%+1,745 bps
Share Growth (YoY)-7.67%-0.42%4.28%4.42%-2.23%-4.70%-5.70%-5.68%-1,010 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.06%0.06%+6 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital22.42%21.95%21.43%22.28%23.35%23.33%22.91%23.30%+102 bps
Net Worth / Assets22.42%21.95%21.43%22.28%23.35%23.33%22.91%23.30%+102 bps
Liquidity & Funding
Loans / Shares33.07%30.73%28.50%28.59%28.44%29.63%28.78%31.59%+301 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps